The Best Car Insurance in Tennessee for 2022

The top auto insurance provider in Tennessee balances affordability, customer satisfaction, and financial stability. Based on MoneyGeek’s ranking, the best insurer in the state for most drivers is Erie, with the highest user satisfaction and claims scores and the second-highest financial stability rating.

However, the best option varies for each driver's profile. For example, GEICO offers the best coverage for young drivers, while Nationwide ranked top for low-mileage drivers.

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Last Updated: 11/2/2022
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Using MoneyGeek’s recommended companies while shopping around for the cheapest car insurance in Tennessee can help you find the most affordable policy without considering the quality of service.

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Methodology

Why Trust MoneyGeek? Our scoring system for car insurance in Tennessee incorporates thousands of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.

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Quotes Analyzed

 
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Companies Compared

 
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ZIP Codes

Best Full Coverage Car Insurance Companies in Tennessee: Overall

MoneyGeek analyzed the top car insurance providers in Tennessee and found that the best overall is Erie.

We evaluated insurers based on their customer service reputation, financial stability, claims and affordability. The highest-scoring car insurance companies in Tennessee overall are:

  • Erie: MoneyGeek score of 84 out of 100 ($877 per year)
  • GEICO: MoneyGeek score of 80 out of 100 ($776 per year)

MoneyGeek also determined the cheapest full coverage car insurance in Tennessee for individuals seeking to save on their premiums.

THE TOP CAR INSURANCE COMPANIES IN TENNESSEE

1
ErieBest Overall
Score:84

3/5

Affordability

5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Erie had the highest total score of 4.2, as well as the highest claims score. The company tied for first in satisfaction and third for stability. Policyholders can get better car replacement coverage at an extra cost.

Average Annual Cost: $877

More About Erie

Erie’s better car replacement coverage is rarely available from other insurers. This coverage replaces your car with the newest model if it gets totaled within two years of purchase. Policyholders who remain claims-free for three years pay no surcharge on their first at-fault accident. The company also offers up to $1,000 in pet coverage that pays treatment costs for pets hurt in an accident. Erie also offers several discounts, including the anti-lock brake discount offered to drivers who have factory-installed airbags, anti-lock brakes and anti-theft devices installed in their cars. There is also a legacy discount for young unmarried drivers insured under a parent’s or guardian’s Erie policy. Unmarried drivers under 21 years who live with their parents can also get a young safe driver discount.

2
GEICO
Score:80

3.7/5

Affordability

4/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO has the highest stability score, meaning that policyholders are confident that their claims will be paid. The company also ranks third for satisfaction and second for claims. Customers may get mechanical breakdown assistance as part of their policy.

The average annual rate for car insurance at GEICO is $776, which is the cheapest in the state.

More About GEICO

Mechanical breakdown insurance (MBI) is a unique coverage from GEICO that offers better coverage at a cheaper cost than the standard dealer extended warranty. This coverage is available for individuals whose cars are less than 15 months old with no more than 15,000 miles and includes all vehicle systems and parts. Policyholders who are at least 21 years old and remain accident-free for a minimum of five years also qualify for accident forgiveness, which prevents a premium spike after an at-fault accident. GEICO also offers an affinity organization discount to policyholders who are members of partner organizations and fraternities and additional discounts for vehicles with anti-lock brakes. The company also has a rare discount for those whose cars feature daytime running lights.

3
State Farm
Score:79

3.4/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm policies cost an average of $826 per year in Tennessee. The company tied for first place for satisfaction and claims. However, it has the lowest stability ranking of the companies we studied. Policyholders can add rideshare insurance.

More About State Farm

The State Farm rideshare insurance offers medical coverage, roadside assistance and rental car reimbursement when you work with a rideshare company. The company also offers roadside assistance as a standalone feature, which pays for mechanical labor, towing, gas delivery and more.

4
Progressive
Score:65

2.4/5

Affordability

3.5/5

Claims

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive costs an average of $959 per year and tied for third on the stability scale. However, this company tied for last place for both satisfaction and claims among companies profiled. The company provides its customers with custom parts coverage.

More About Progressive

The custom parts coverage from Progressive allows you to replace or repair custom parts of your car, such as your stereo or navigation system. Policyholders can also get rideshare insurance, which protects you against accidents that occur while you’re waiting for a ride request.

5
Nationwide
Score:64

1.2/5

Affordability

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nationwide ranks third for stability and satisfaction and earned second place for claims. That said, the company has a high average price of $1,124 per year. Nationwide provides its policyholders with identity theft coverage.

More About Nationwide

The company offers identity theft coverage of up to $25,000 if you or anyone you live with are a victim of identity theft. Nationwide’s total loss deductible waiver pays for the deductible of your comprehensive or collision coverage if your car gets totaled after an accident.

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HOW WE DETERMINED THE BEST INSURANCE IN TENNESSEE

MoneyGeek determined the best full coverage car insurance in Tennessee by comparing quotes from different insurers within the state. The sample driver used in the study is a 40-year-old man who has a full coverage policy, although your costs may be higher or lower than these averages depending on your background.

MoneyGeek also utilized claims ratings and user satisfaction scores from J.D. Power and the NAIC to come up with Tennessee’s full coverage car insurance rates.

Reading the MoneyGeek methodology will give you a better understanding about the average costs across sample drivers, as well as the policies and assumptions used in the study.

MoneyGeek's Tennessee Car Insurance Resources:

Best Car Insurance in Tennessee for Customer Service

MoneyGeek’s research showed that Erie is Tennessee’s best auto insurance provider for customer service.

We ranked insurers in the state according to user satisfaction and claims scores without considering the policy cost. The top car insurance companies in the state for customer service are:

  • Erie: MoneyGeek score of 95 out of 100
  • Auto-Owners: MoneyGeek score of 87 out of 100

Even though we disregarded cost in this analysis, Erie still ranks as the best provider when cost is considered.

THE TOP TWO CAR INSURANCE COMPANIES IN TENNESSEE FOR SERVICE QUALITY

1
ErieBest for Customer Service
Score:95

5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Erie is the best insurer in Tennessee for customer service, which is an important factor when filing a claim. The company has the highest claims and satisfaction ratings. Since Erie also ranks among the cheapest car insurance providers in the state, you can still pay less for its policies without compromising on quality.

More About Erie

Erie’s comprehensive coverage eliminates the deductible for glass repair so that policyholders can replace or repair their windows at significantly lower costs. The insurer also offers new car replacement coverage that pays to replace your totaled car with a new one. You also receive accident forgiveness coverage if you remain claims-free after three years. The company offers a reduced usage discount for drivers who don’t drive their car for at least 90 consecutive days within the policy period and a young safe driver discount for unmarried drivers under 21 living with their parents. While paying your premiums in installments can help you manage your budget accordingly, Erie offers a discount for those who make lump sum payments. MoneyGeek’s review of Erie’s car insurance options provides you with more details about the insurer.

2
Auto-Owners Insurance Co
Score:NaN

Claims

User Satisfaction

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners is the second-best insurer in Tennessee for customer service. It has a stability rating of 5 out of 5, the highest in the state. It is also tied for second for claims.

More About Auto-Owners Insurance Co

Auto-Owners’ diminished value coverage ensures policyholders receive reimbursement for the reduced value of their car after an accident. Policyholders may also protect the value of their vehicles through the new car replacement and gap insurance coverage options. The company also offers discounts for anti-lock brakes and bundling and responsible payment discounts. You qualify for an anti-lock brakes discount if you have features like airbags, anti-theft devices and anti-lock brake systems installed in your car. You can also save on your premiums if you bundle auto and life insurance from Auto-Owners. The insurer also subsidizes premium amounts for individuals who consistently make timely payments for at least 36 months. Auto-Owners has a Personal Automobile Plus Package that bundles over ten additional coverage options at considerably lower rates. The package protects policyholders from re-keying locks, identity theft, phone replacement and many other costs.

Best Car Insurance in Tennessee for Minimum Coverage

Erie is MoneyGeek’s pick as the best car insurance company for drivers on a budget. We ranked the top car insurance providers in Tennessee that offer state minimum coverage. According to the scores, the best insurance companies in the state are:

  • Erie: MoneyGeek score of 87 out of 100 ($427 for the state minimum policy)
  • GEICO: MoneyGeek score of 84 out of 100 ($369 for the state minimum policy)

The best insurers in this category provide the lowest costs for drivers on a budget while still delivering solid customer support. If you are seeking to save on your premiums, MoneyGeek also scored insurers that provide the cheapest minimum coverage car insurance in Tennessee for your situation.

MoneyGeek’s Pick: Erie

Erie

pros

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Affordable minimum state coverage at an average of $427 per year

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Bundling, anti-theft system, pay-in-full and airbag discounts available

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Satisfaction score of 4.5 out of 5

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Claims score of 5 out of 5

cons

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Policyholders do not get multiple car, safe driving, defensive driving or paperless discounts

COMPANY HIGHLIGHTS

Erie’s policyholders can take advantage of its numerous discounts to further lower their premiums. Some common discounts include bundling, which ensures lower costs for those with multiple policies from the insurer. You can benefit from this discount if you add life or home insurance to your auto insurance policy.

Erie also offers several unique discounts, including an anti-theft system, pay in full and young safe driver discounts. You are eligible for the anti-theft system if you have safety devices installed in your vehicle. These include airbags, anti-lock brake systems and anti-theft devices.

Car insurance from Erie also costs less if you pay your premiums in full, instead of in installments. Drivers below 21 years also receive discounts if insured under their parent or guardian’s policy.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance in Tennessee for Young Drivers and Students

GEICO is MoneyGeek’s car insurer pick for young drivers and students in Tennessee.

Younger drivers tend to pay high rates for auto insurance due to their lack of experience behind the wheel. After analyzing providers in the state based on affordability and customer service, we found that the best carriers for young drivers and students are:

  • GEICO: MoneyGeek score of 86 out of 100 ($1,812 per year)
  • Progressive: MoneyGeek score of 81 out of 100 ($1,715 per year)

GEICO and Progressive offer policies that balance low cost and customer service for young drivers and students.

If you need to save on your auto insurance premium, MoneyGeek also determined the cheapest car insurance in Tennessee for young drivers to ensure you get coverage at the best rates. Our analysis focused on rates for teen drivers and those in their early 20s.

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable car insurance coverage for young drivers at $1,812 on average

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Offers good student and driver’s education discounts

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Claims and user satisfaction scores of 4 out of 5

cons

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Does not provide a distant student discount

COMPANY HIGHLIGHTS

Insurers charge considerably high premiums for parents who add a young driver to their car insurance policy. GEICO combines affordability and exceptional customer service for young drivers and students in Tennessee. A high customer service rating means that the company offers exceptional customer support and a streamlined claims process, which is essential for young drivers since they are more likely to cause accidents due to inexperience.

In addition to low premiums, GEICO offers discounts to families with students and young drivers. One is the good student discount, available to full-time students with good academic scores. Young drivers may also reduce their premiums by completing a driver’s education or defensive driving course. GEICO does not, however, provide a distant driving discount to its customers.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Tennessee for Seniors

MoneyGeek analyzed car insurance providers in Tennessee to determine the best option for senior drivers in terms of customer service and affordability.

From the findings, the top companies in the state are:

  • Erie: MoneyGeek score of 91 out of 100 ($903 per year)
  • State Farm: MoneyGeek score of 89 out of 100 ($805 per year)

Erie and State Farm offer senior policyholders the best balance of affordability and customer service. However, if your primary focus is affordability, you can use MoneyGeek’s score of insurers offering the cheapest car insurance in Tennessee for seniors.

MoneyGeek’s Pick: Erie

Erie

pros

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One of the cheapest providers for seniors at $903 per year

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Offers accident forgiveness, roadside assistance and rental car and/or travel reimbursement

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MoneyGeek user satisfaction and claims ratings of 5 out of 5

cons

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Does not offer senior or defensive driving discounts

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No discount for paperless payment

COMPANY HIGHLIGHTS

Car insurance rates for seniors are usually higher than for the average driver. According to our findings, Erie offers seniors the best combination of affordability and customer satisfaction.

Erie provides various additional coverage options that suit seniors. For instance, policyholders may take advantage of rental car and/or travel insurance after an accident if they need to rent a car or find alternative transportation. Accident forgiveness is also available for senior drivers who maintain a good driving record, as is new and better car replacement coverage.

While Erie does not offer a discount for paperless payments, seniors may take advantage of its Pay in Full discount to lower their rates. Also, seniors who need protection for personal items may find this coverage at Erie, which pays for damaged clothing, luggage and other personal belongings within their car for up to $350.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance in Tennessee for Bad Driving Records

MoneyGeek’s research shows Erie is the best car insurance carrier for Tennessee residents with bad driving records.

We analyzed the best auto insurance providers in the state for drivers with an at-fault accident. Our team found that the companies providing the best service for these drivers are:

  • Erie: MoneyGeek score of 88 out of 100 ($1,120 per year)
  • State Farm: MoneyGeek score of 85 out of 100 ($979 per year)

The above scores balance affordability and customer service for drivers with at-fault driving records. Drivers wishing to save money may also review MoneyGeek’s analysis of the most affordable insurance in Tennessee for drivers with a DUI.

MoneyGeek’s Pick: Erie

Erie

pros

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Affordable car insurance after an at-fault accident at an average of $1,120 per year

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Rental car reimbursement, accident forgiveness, new car replacement and better car replacement coverages available

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Claims score of 5 out of 5

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Satisfaction score of 4.5 out of 5

cons

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Roadside assistance is not provided to policyholders

COMPANY HIGHLIGHTS

Tennessee residents with a poor driving record in need of car insurance may find the best rates at Erie at approximately $1,120 per year. Erie received the highest claims and customer satisfaction scores of 5 out of 5.

The insurer offers the following essential additional coverage options for those with DUIs:

  • Accident Forgiveness: With this coverage, your car rates will not increase after getting into an accident if you stay claim-free for three consecutive years.
  • Rental Car Reimbursement: If you add this coverage to your policy, your insurer will reimburse the money you spend on transportation after an accident.
  • New Car Replacement: This pays for replacing your car with the same model if it gets damaged within two years of purchase.
  • Better Car Replacement: Pays the cost of replacing your car with the newest model after damage.
Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance in Tennessee for a Military Background

According to MoneyGeek’s scores, USAA is the best insurer in Tennessee and throughout the country for current and former military members. USAA scored 5 out of 5 across all categories except satisfaction, where it scores 4.5. Its total score of 97 out of 100 is higher than the other insurers discussed in this guide.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage car insurance coverage at $602 per year on average

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Claims score of 5 out of 5

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User satisfaction score of 4.5 out of 5

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Roadside assistance coverage available

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Safe driving discounts

cons

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Only available to military members and their families

COMPANY HIGHLIGHTS

USAA has a reputation for offering the most affordable auto insurance in Tennessee and the United States as a whole. Some of the coverages and discounts featured in the company’s policies include:

  • Roadside Assistance: Adding this coverage to your policy means that your insurer will cover the cost of towing, unlocking your vehicle, jumpstarting your battery, changing flat tires and other similar services.
  • Rideshare Insurance: USAA members whose standard policy does not offer coverage after a rideshare request may consider purchasing rideshare insurance to eliminate the rideshare gap on their policy.
  • Vehicle Storage Discount: Policyholders receive up to 60% discount for storing their insured vehicle.
  • Loyalty Discount: Rates for policyholders who have stayed with USAA for a long time are relatively lower than for new customers.
Read MoneyGeek's USAA Auto Insurance Review

Best Car Insurance in Tennessee for Those With New Cars

MoneyGeek scored the best car insurance company for drivers in Tennessee with new cars by analyzing providers that offer new car replacement coverage, which replaces a damaged car with a similar make and model. Based on our study, the top pick for this category is:

  • Erie: MoneyGeek score of 84 out of 100 ($877 per year)

Erie combines new car replacement and better car replacement coverages with its Auto Security package, which replaces your car with the latest model.

MoneyGeek’s Pick: Erie

Erie

pros

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Affordable average annual rate of $877 per year

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New car replacement and better car replacement coverage

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Claims rating of 5 out of 5

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User satisfaction score of 4.5 out of 5

COMPANY HIGHLIGHTS

MoneyGeek’s top pick for the best auto insurance provider for those with new cars is Erie. The insurer offers new and better car replacement insurance as additional coverage.

Once you start driving your new vehicle, its value slowly diminishes. Should it get totaled, you may incur high costs to replace it if you do not have the right additional insurance coverage. With Erie’s new and better car replacement coverage, policyholders won’t lose money if they need to replace a totaled car.

Erie’s Auto Security program comprises both new and better car replacement coverage. The program ensures the replacement of cars that are less than two years old with either the same or the latest model and a model that is two years newer if the car is older than two years.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance in Tennessee for Low-Mileage Drivers

The best pay-per-mile insurance program in Tennessee is Nationwide Smartmiles, which allows you to pay for car insurance based on a base rate and a variable rate. Pay-per-mile insurance is gaining significant popularity among customers, as drivers pay based on the miles they drive.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Nationwide Smartmiles offers the most affordable coverage for low-mileage drivers

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Claims and satisfaction scores of 4 out of 5

cons

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Drivers who drive regularly may pay more than they would for standard insurance coverage

COMPANY HIGHLIGHTS

The Nationwide SmartMiles program uses two factors to determine actual premiums. These factors include a base rate and a variable rate, also known as the cost per mile. Insurers first charge customers a base rate before applying the variable rate on the extra miles driven.

Note that each driver's monthly variable rate differs since it depends on the miles covered.

Nationwide’s road trip exemption allows drivers to pay for the first 250 miles covered daily for road trips. Policyholders may also lower their premiums by as much as 10% for safe driving.

Read MoneyGeek's Nationwide Auto Insurance Review

How to Find the Best Car Insurance in Tennessee For You

When purchasing auto insurance in Tennessee, MoneyGeek’s scores can help you identify the right coverage in terms of financial stability, cost and quality of service. Although this research can help you save time, you may also decide to carry out your own research across these factors.

1

Research customer service reputations in Tennessee

MoneyGeek scored the best car insurance companies in Tennessee from various quotes sourced using a sample driver’s profile. MoneyGeek also used the NAIC complaint ratios and customer satisfaction scores from J.D. Power to calculate the average rates for the state. You may also use the NAIC and J.D. Power scores to find the best combination of car insurance policy factors for your needs. You can also find useful information from the Department of Commerce and Insurance in Tennessee.

2

Compare the quotes

MoneyGeek’s costs were obtained from various insurers using a sample driver. These costs do not cover all locations in Tennessee, so you may need to compare quotes among several insurers if you want to get the best coverage.

3

Make sure the company has coverages you want in Tennessee

While shopping around for car insurance in Tennessee, you need to ensure that your provider of choice has the discounts and type of coverage you need. Some insurers may advertise discounts and coverages without indicating which states they’re available in

4

Double-check financial stability ratings

The stability of a company is determined by its financial strength and this influences the likelihood of a company to settle customer claims. While purchasing car insurance, ensure that you understand the financial stability of your provider, as companies with lower financial stability scores may struggle with processing your claims effectively.

FAQs About the Best Car Insurance in Tennessee

How much you pay for car insurance in Tennessee depends on various factors, including the coverage amount. Learning the answers to frequently asked questions can help you find the best policy for your circumstances.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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